Life insurance

Introduction Underwriting describes the process whereby a life insurance company assesses the risk of claiming carried by an applicant in order to determine the cost charged for cover of that risk [ 1 ]. Life insurance products include cover for death; trauma that provides payment if a person is diagnosed with a specified serious illness or injury, including the major illnesses or injuries that will make a significant impact on a person’s life, such as cancer or a stroke; total and permanent disability (TPD) that pays a lump sum if the person becomes totally and permanently disabled; disability income (DI) that replaces the income lost due to a person’s inability to work due to injury or...

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Product Spotlight Intuitions® Whole Life & Intuitions® 20 Pay Whole Life Life Insurance is important for the little ones too! Purpose: To invest in your children’s future and provide lifelong insurance protection at an affordable premium, coupled with guaranteed cash value accumulation. Both Intuitions® Whole Life Insurance and Intuitions® 20 Year Payment Whole Life Insurance offer affordable, straight-forward life insurance protection with fixed-level premiums, guaranteed cash value growth and a guaranteed death benefit… all of which make it easier for you to budget today and plan for your children’s future. Lock in premiums while they are young and...

Get your free portfolio analysis today It is important to have a whole life insurance policy in order to ensure that you are protected for as long as you live rather than just a specific period of time. Whole life insurance will protect you as long as you continue to make timely payments on the plan. The average Whole Life Insurance policy has a feature known as “cash value” or “cash surrender value”. This is not included with Term Life Insurance. Whole life enables you to build cash value and reap a higher return on a portion of your premiums invested by the company. The cash value you earn is tax-deferred until you withdraw it, or can be borrowed against. The cash...

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Affordable Whole Life Insurance Rates Searching for competitively priced life insurance can seem like a nightmare of a task, particularly with such wide variety and immense range of policies available. From different insurers to wildly different policy types and contracts, to the uninformed or new insurance shopper, finding a cheap life insurance policy can seem like a marathon of a task, and one that’s lined with complications. However, as with many financial and health-related services, beneath the difficult wording and complex sales pitches is a product that’s very much universally offered. Life insurance tends to belong to one of two key categories. The first is term life...

Charleston, Missouri Individual Life Insurance Deciding on the right Missouri Individual Life Insurance policy usually depends on your future goals. Whether you wish to provide a tax free income for your beneficiaries, have funds for the payment of the final expenses or estate taxes, replace the income that is lost if you die, or provide a significant charitable contribution, we can help you chose the policy that will fit your needs at an affordable price. Individual Life Insurance can be important for: A source of savings - If not paid out by death benefit, some types of life insurance can have a cash value. Final expenses - using life insurance to pay for funeral and burial expenses....

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N.C. Mutual Life Insurance Company Since its beginning in 1898, North Carolina Mutual Life Insurance Company has grown to become one of the nation’s most widely-known and successful business institutions. It is the only insurance company domiciled in North Carolina with a charter dated before 1900. North Carolina Mutual is the oldest and largest African American life insurance company in the United States. The Company’s seven organizers were men who were active in business, educational, medical and civic life of the Durham community. An early financial crisis tested their resolve and the company was reorganized in 1900 with only John Merrick and Dr. Aaron M. Moore remaining....

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CANTON, Mass., Aug. 7, 2018 /PRNewswire/ -- Boston Mutual Life Insurance Company, a national provider of insurance solutions for individuals and at the workplace, today announced six employees who reached a twenty-year milestone with the company. These employees were honored alongside more than 50 other employees with twenty or more years at the company's 41st Annual 20 Plus Club Recognition Reception. The event, hosted on June 21, 2018, acknowledged the employees' long-term dedication to Boston Mutual. "We value the hard work and dedication of our employees; they play an integral role in our success," said Paul A. Quaranto, Jr., Chairman, Chief Executive Officer and President at Boston...